Frequently Asked Questions

What is the difference between “Named Insured”, “First Named Insured” and “Additional Insured”?

Named insureds are those listed by name in the relevant block of the policy’s declaration page. Although the named insured is commonly one person, partnership, corporation or other entity with insurable interests, multiple names insured may be included.

First Named Insured is the first name listed on the policy declarations (front page of the policy). This insured acts as the legal agent for all named insureds in initiating cancellation, requesting policy changes or accepting any return premiums. The first named insured may also be responsible for payment of the premiums.

Additional insured is an entity to which a policy’s coverage is extended. An additional insured must be added to the policy prior to a claim being paid. There must be a relationship between the additional insured and the named insured. Being an additional insured on another’s policy does not eliminate the need for someone to have his/her own Commercial Liability policy.

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Contact Information

Churchville location »
2907 Churchville Road, P. O. Box 70
Churchville, MD 21028
(800)519-8387

Elkton location »
211 West Main Street
Elkton, MD 21922
(800)519-8387

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FARM INSURANCE

As farm specialists in the Harford and Cecil County area, Lassen, Marine & Webster can assess your unique needs and risks to recommend the best insurance for you whether you’re running a large-scale operation or small family farm.


 

Traditionally known as scheduled personal property and other structures insurance, equipment insurance protects the equipment used to keep your farm operating, including tools, livestock, feeding tracks, irrigation systems, etc.

Your farm requires an abundance of equipment to keep it running smoothly. Equipment insurance, traditionally known as scheduled personal property and other structures insurance, covers anything from livestock to machinery. Scheduled personal property and other structures are insured against the following perils:

  • Fire
  • Lightning
  • Windstorm & hail
  • Theft
  • Smoke
  • Vandalism and malicious mischief
  • Collision explosion
  • Additional perils for livestock:
    • Attack by wild animals or dogs (sheep not included)
    • Accidental drowning
    • Accidental shooting
    • Electrocution

Scheduled Personal Property
  • Farm machinery
  • Irrigation equipment
  • Livestock
  • Protects newly acquired farm equipment for a certain period of time
  • Covers equipment/tools rented, borrowed or leased

Additional Structures
  • Barns
  • Silos
  • Portable buildings & structures
  • Fences
  • Corrals
  • Pens
  • Chutes
  • Feed tacks
  • Private power & light poles

Optional Coverages Include:
  • Custom Farming
  • Earthquake
  • Extra Expense
  • Limited Pollution Liability
  • Loss of Earnings
  • Seasonal Coverage